Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Top picks for Food Service Direct from our scoring engine.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Ranked by earn rate and redemption value, statement credits minus annual fees (weighted against a typical $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts, co-brand fit for this brand. The ¢ per dollar column is the reward rate at Food Service Direct, after spend caps. Order can differ from that column because ranking adds the adjustments above.
Bilt Obsidian Card earns the top spot for Food Service Direct purchases at 6.6¢ per dollar on dining — a $95 annual fee. We ranked every card in our database against Food Service Direct purchases using the same scoring engine that powers our search. See the note above the list for what drives order versus the ¢ per dollar column. Cards 4–10 are still solid picks; they just trade off some headline earn rate for fewer fees, broader networks, or simpler redemptions.
Cardless
Amex
Chase
Bilt Obsidian Card earns 6.6¢ per dollar on dining when you shop at Food Service Direct, the highest marginal rate in our list for this brand. At 6.6¢ per dollar, rewards cover the $95 fee after about $1,440 a year in Food Service Direct spending. To come out ahead of Pottery Barn Key Rewards Visa (4.0¢), you'd need about $3,650 a year here. It's the right pick if you want maximum earn rate on this category and don't mind paying for a premium card.
Side-by-side view of the ranked picks.
| Card | Dining Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Bilt Obsidian CardCardless | 3x Bilt Rewards | 6.6¢/$ | $95 | $10 | mastercard |
| American Express Gold CardAmex | 4x Membership Rewards | 6.0¢/$ | $325 | $36 | amex |
| Chase Sapphire Preferred CardChase | 3x Ultimate Rewards | 5.4¢/$ | $95 | $10 | visa |
| Citi Strata Elite℠ CardCiti | 3x ThankYou Points | 4.8¢/$ | $595 | $630.50 | mastercard |
| Chase Sapphire ReserveChase | 3x Ultimate Rewards | 5.4¢/$ | $795 | $180 | visa |
| Pottery Barn Key Rewards VisaCapital One | 4x points | 4.0¢/$ | $0 | — | visa |
| BMO EscapeBmo | 4x points | 4.0¢/$ | $150 | $36.50 | mastercard |
| Citi Strata Premier CardCiti | 3x ThankYou Points | 4.8¢/$ | $95 | $10 | mastercard |
| Verizon Visa CardSynchrony | 4% cash back | 4.0¢/$ | $0 | — | visa |
| DoorDash Rewards Mastercard®Chase | 3x points | 3.0¢/$ | $0 | — | mastercard |
Other brands in Food, Beverages & Tobacco where the top picks above also earn well.
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